Savings Accounts

Save today. Reach your financial dreams tomorrow.

Hey, we get it. You're a live-for-today type of person. But the future is coming fast and it's best to be ready for it. Frontwave Credit Union's competitive Savings Accounts, Money Markets, Certificates and IRAs do a lot more than give you a place to stash your cash. They open up a world of possibilities. Someday that money could turn into that far-flung trip you always wanted to take, sending your kids to the college of their dreams or retiring in style.
Compare Savings Accounts
Savings Accounts
Teen Savings Accounts
Kids’ Savings Accounts
You should get this if You need a go-to account to help you save to reach financial goals. You are 13-17 years old with a parent/legal guardian as a joint owner. You are 0-12 years old with a parent/legal guardian as a joint owner.
Key Features Offered as an IRA, too Start earning dividends immediately Prizes for reaching savings goals
Minimum Opening Deposit $5 $5 $5
Dividend Rates .05% Annual Percentage Yield (APY) .05% Annual Percentage Yield (APY) .05% Annual Percentage Yield (APY)
Savings Accounts
You should get this if You need a go-to account to help you save to reach financial goals.
Key Features Offered as an IRA, too
Minimum Opening Deposit $5
Dividend Rates .05% Annual Percentage Yield (APY)
Teen Savings Accounts
You should get this if You are 13-17 years old with a parent/legal guardian as a joint owner.
Key Features Start earning dividends immediately
Minimum Opening Deposit $5
Dividend Rates .05% Annual Percentage Yield (APY)
Kids’ Savings Accounts
You should get this if You are 0-12 years old with a parent/legal guardian as a joint owner.
Key Features Prizes for reaching savings goals
Minimum Opening Deposit $5
Dividend Rates .05% Annual Percentage Yield (APY)
Compare Certificate, Retirement, and Money Market Accounts
Saver Certificates
Certificates Accounts
Individual Retirement Accounts (IRAs)
Money Market Accounts
You should get this if You want your savings to build at a higher rate, but with a lower opening deposit requirement You have extra cash you can keep on deposit to maximize your savings at a higher rate. You're ready to start saving for retirement. You want the ideal blend of higher rates and anytime access to your money.
Key Features Flexible terms

Offered as an IRA, too
Flexible terms. Short-term and long-term tax benefits. Tiered earnings.

Offered as an IRA, too.
Minimum Opening Deposit $100 to $500 opening deposit

$10 to $500 monthly auto-deposit
$1,000 Varies by account type $2,500
Dividend Rates Varies based on term Varies based on term Varies based on term Varies based on deposit amount
Saver Certificates
You should get this if You want your savings to build at a higher rate, but with a lower opening deposit requirement
Key Features Flexible terms

Offered as an IRA, too
Minimum Opening Deposit $100 to $500 opening deposit

$10 to $500 monthly auto-deposit
Dividend Rates Varies based on term
Certificates Accounts
You should get this if You have extra cash you can keep on deposit to maximize your savings at a higher rate.
Key Features Flexible terms.
Minimum Opening Deposit $1,000
Dividend Rates Varies based on term
Individual Retirement Accounts (IRAs)
You should get this if You're ready to start saving for retirement.
Key Features Short-term and long-term tax benefits.
Minimum Opening Deposit Varies by account type
Dividend Rates Varies based on term
Money Market Accounts
You should get this if You want the ideal blend of higher rates and anytime access to your money.
Key Features Tiered earnings.

Offered as an IRA, too.
Minimum Opening Deposit $2,500
Dividend Rates Varies based on deposit amount

Ready to open a Savings account?

Stop by a Southern California branch near you! We have locations in Twentynine Palms, CA, Barstow, CA, Escondido, CA, Camp Pendleton, CA, Oceanside, CA, San Diego, CA, San Marcos, CA, Temecula, CA, Wildomar, CA, and Yucca Valley, CA.
All Savings Accounts Include
  • Competitive interest rates
  • No monthly fee
  • Online Banking access to monitor growth